Questions and Answers
Your Questions About New Driver Car Insurance Rates
How does car insurance work for teenagers?
Im 18 and I took Driver`s Ed last summer, so I know that was supposed to save some cash when it came to the insurance. I also heard that depending on the engine of the car, the insurance changes. How do you determine the insurance on a 6-cylinder and an 8-cylinder car? Thanks
It simply work by statistics. The higher the risk of you being involve in an accident the higher the premium rate. So, he more powerful your car it is, the biggest the change of you crashing it. Also, luxury cars and sport cars have a higher rate because people tend to drive a higher speeds and take more risks than people driving normal cars.
Do insurance rates get higher just cause you change the state you live in?
I heard from someone that thought there was a law that says your insurance rate can be raised just because you changed your state of residency. Is there any truth to that?
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with “less than perfect” driving records and specialize in youthful operators!
Most of the replies on this site say “go to this on-line carrier or that on-line carrier or that 1-800 number” but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
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